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All Journal Dinasti International Journal of Digital Business Management Jurnal Penyuuhan dan Pemberdayaan Masyarakat (JPPM) Enrichment: Journal of Multidisciplinary Research and Development
Syarif, Andam Dewi
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Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Social Sciences

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Leveraging Digital Finance Literacy to Enhance Financial Inclusion for Migrant Communities in Malaysia Risman, Asep; Syarif, Andam Dewi
Jurnal Penyuluhan dan Pemberdayaan Masyarakat Vol. 4 No. 3 (2025): Jurnal Penyuluhan dan Pemberdayaan Masyarakat (September)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jppm.v4i3.1484

Abstract

This Community Service Activity is intended to improve the financial inclusion of Indonesian migrant workers in Malaysia, focusing on those residing on Penang Island. As an integral part of the Indonesian diaspora, migrant workers often face challenges in accessing financial services, which in turn can affect their overall welfare. Enhancing financial inclusion is considered a strategic approach to supporting their economic well-being and long-term sustainability. The activity was carried out through educational interventions designed to strengthen digital finance literacy. The method involved a combination of lectures and practical training. The materials delivered included an overview of digital finance, types of digital finance services, their benefits, and step-by-step guidance on using digital financel applications—such as e-wallets and digital gold platforms. Practical components covered processes such as account registration, fund deposits and withdrawals, as well as transactions (purchasing and selling) within digital marketplaces in collaboration with financial technology providers. To evaluate the effectiveness of the program, a questionnaire was administered to participants. The results indicated that 73.3% of participants expressed a high level of satisfaction, while 57.3% perceived the program as important and beneficial. Tangible outputs from this activity include educational videos published on YouTube, articles featured in mass media, peer-reviewed journal publications, and registered Intellectual Property Rights (IPR).
The Influence Of Liquidity, Profitability, Leverage, And Firm Size On Stock Returns With Environmental Performance As A Moderating Variable In Energy Sector Companies Alansjah, Beni; Syarif, Andam Dewi
Enrichment: Journal of Multidisciplinary Research and Development Vol. 3 No. 6 (2025): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v3i6.482

Abstract

This study aims to analyze the influence of liquidity, profitability, leverage, and company size on stock returns, with environmental performance as a moderation variable in energy sector companies listed on the Indonesia Stock Exchange (IDX) during the 2019–2024 period. The method used is a quantitative approach with a panel data regression technique, using secondary data in the form of annual financial reports and PROPER scores from the Ministry of Environment and Forestry as indicators of environmental performance. The results of the study show that partially, only leverage has a significant negative effect on stock returns. Meanwhile, liquidity, profitability, and firm size did not show a significant influence. The environmental performance variable also does not have a significant effect on stock returns. However, the interaction between leverage and environmental performance has a significant positive effect, indicating that good environmental practices can moderate the negative impact of leverage on stock returns. These findings underscore the importance of integrating sustainability aspects into the company's financial strategy to increase investor confidence, especially in the energy sector which has high environmental risks.
Green Banking, ESG Performance, and Profitability on Bank Credit Risk: The Moderating Role of Asset Quality Using a Fuzzy Structural Risk Approach Akhlaqil Karimah, Wafi; Syarif, Andam Dewi
Dinasti International Journal of Digital Business Management Vol. 7 No. 2 (2026): Dinasti International Journal of Digital Business Management (February - March
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijdbm.v7i2.6389

Abstract

This study examines the effect of green banking, environmental social governance performance, and profitability on bank credit risk, with asset quality acting as a moderating variable. The research object consists of Indonesian conventional commercial banks classified as KBMI 3 and KBMI 4 during 2020–2024. The objective is to analyze whether sustainability integration reduces structural default vulnerability and how credit discipline conditions this relationship. The study applies panel data regression and moderated regression analysis using the Fuzzy Structural Risk of Default as a structural credit risk proxy. The results show that green banking is associated with higher short-term credit risk due to transition-related frictions. Environmental social governance performance significantly reduces credit risk, while profitability does not directly influence risk but strengthens stability when asset quality is strong. Asset quality functions both as a determinant and as a conditioning mechanism in sustainability–risk dynamics. The findings indicate that sustainable banking resilience depends on disciplined credit portfolio management during sustainability transition phases in emerging financial systems.
The Effect Of Sustainability, Liquidity, Leverage, And Firm Size On Firm Value With Profitability As A Moderating Variable (A Study Of Non-Bank Financial Sector Companies Listed On The Bursa Efek Indonesia During 2020–2024) Mukti, I Gede Komang Sunseno Indra; Syarif, Andam Dewi
Enrichment: Journal of Multidisciplinary Research and Development Vol. 3 No. 11 (2026): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v3i11.617

Abstract

This research aims to analyze the effect of sustainability, proxied by the Sustainability Report Disclosure Index (SRDI), liquidity, proxied by the Current Ratio (CR), leverage, proxied by the Debt to Equity Ratio (DER), and company size, proxied by Log Total Assets (SIZE), on company value, which is proxied by the Price to Book Value (PBV), with profitability, proxied by the Return on Equity (ROE), as a moderating variable. The research samples were selected using a purposive sampling method, with the population consisting of 58 non-bank financial sector companies listed on the Indonesia Stock Exchange for the period 2020–2024. The research sample comprised 17 listed companies that met the established criteria. The research method is quantitative, employing the regression method in the form of panel data regression analysis, as the data used is a combination of time series and cross-sectional data. The results of the study indicate that SRDI, CR, DER, SIZE, and the interaction of independent variables with the moderating variable jointly affect company value. Partially, CR, DER, and SIZE influence firm value, while SRDI and ROE have no effect. Meanwhile, ROE moderates the effect of CR and SIZE on firm value but does not moderate the effect of SRDI and DER.
Co-Authors Akhlaqil Karimah, Wafi Alansjah, Beni Mukti, I Gede Komang Sunseno Indra Risman, Asep